{"id":40060,"date":"2023-12-10T01:51:30","date_gmt":"2023-12-10T01:51:30","guid":{"rendered":"https:\/\/masterskills.org\/blog\/neu-muon-som-tra-het-no-thi-ban-phai-nam-duoc-6-con-so-nay.html"},"modified":"2023-12-13T08:03:20","modified_gmt":"2023-12-13T08:03:20","slug":"neu-muon-som-tra-het-no-thi-ban-phai-nam-duoc-6-con-so-nay","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/neu-muon-som-tra-het-no-thi-ban-phai-nam-duoc-6-con-so-nay.html","title":{"rendered":"N\u1ebfu mu\u1ed1n s\u1edbm tr\u1ea3 h\u1ebft n\u1ee3 th\u00ec b\u1ea1n ph\u1ea3i n\u1eafm \u0111\u01b0\u1ee3c 6 con s\u1ed1 n\u00e0y"},"content":{"rendered":"
\n

C\u00f3 r\u1ea5t nhi\u1ec1u con \u0111\u01b0\u1eddng khi\u1ebfn b\u1ea1n r\u01a1i v\u00e0o c\u1ea3nh n\u1ee3 n\u1ea7n ch\u1ed3ng ch\u1ea5t v\u00e0 c\u0169ng c\u00f3 kh\u00f4ng \u00edt c\u00e1ch gi\u00fap b\u1ea1n nhanh ch\u00f3ng tho\u00e1t kh\u1ecfi c\u1ea3nh kh\u1ed1n c\u00f9ng \u0111\u00f3.<\/p>\n

Trong khi m\u1ed9t v\u00e0i ng\u01b0\u1eddi l\u1ef1a ch\u1ecdn \u00e1p d\u1ee5ng chi\u1ebfn l\u01b0\u1ee3c “debt snowball”<\/em> \u2013 m\u1ed9t ph\u01b0\u01a1ng ph\u00e1p tr\u1ea3 n\u1ee3 do chuy\u00ean gia kinh t\u1ebf Dave Ramsey \u0111\u1ec1 xu\u1ea5t v\u1edbi \u00fd t\u01b0\u1edfng r\u1eb1ng khi c\u00f3 nhi\u1ec1u kho\u1ea3n n\u1ee3 (l\u00e3i g\u1ea7n t\u01b0\u01a1ng \u0111\u01b0\u01a1ng nhau), h\u00e3y tr\u1ea3 kho\u1ea3n n\u1ee3 \u00edt nh\u1ea5t, r\u1ed3i \u0111\u1ebfn kho\u1ea3n n\u1ee3 \u00edt th\u1ee9 hai… ho\u1eb7c ph\u01b0\u01a1ng ph\u00e1p “debt avalanche”<\/em> ngh\u0129a l\u00e0 tr\u1ea3 n\u1ee3 c\u00f3 l\u00e3i cao nh\u1ea5t tr\u01b0\u1edbc th\u00ec s\u1ed1 kh\u00e1c l\u1ea1i l\u1ef1a ch\u1ecdn chuy\u1ec3n \u0111\u1ed5i th\u1ebb t\u00edn d\u1ee5ng c\u0169 c\u00f3 l\u00e3i su\u1ea5t cao sang th\u1ebb t\u00edn d\u1ee5ng m\u1edbi v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t 0% trong m\u1ed9t th\u1eddi h\u1ea1n nh\u1ea5t \u0111\u1ecbnh v\u00e0 c\u00f4ng ty c\u1ea5p th\u1ebb m\u1edbi s\u1ebd ch\u1ecbu tr\u00e1ch nhi\u1ec7m thanh to\u00e1n n\u1ee3 c\u0169 (balance transfer), b\u00e1n t\u1ea5t c\u1ea3 t\u00e0i s\u1ea3n \u0111\u1ec3 t\u0103ng l\u01b0\u1ee3ng ti\u1ec1n m\u1eb7t c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng \u0111\u1ec3 tr\u1ea3 n\u1ee3, t\u00ecm vi\u1ec7c l\u00e0m th\u00eam ho\u1eb7c k\u1ebft h\u1ee3p t\u1ea5t c\u1ea3 c\u00e1c ph\u01b0\u01a1ng ph\u00e1p n\u00e0y.<\/p>\n

M\u1ed7i m\u1ed9t ph\u01b0\u01a1ng ph\u00e1p \u0111\u1ec1u c\u00f3 nh\u1eefng l\u1ee3i \u00edch nh\u1ea5t \u0111\u1ecbnh n\u1ebfu b\u1ea1n nghi\u00eam t\u00fac v\u1ec1 vi\u1ec7c tr\u1ea3 n\u1ee3 v\u00e0 s\u1eb5n s\u00e0ng b\u00e1m s\u00e1t k\u1ebf ho\u1ea1ch. Hi\u1ec3n nhi\u00ean, c\u00e0ng b\u1eaft \u0111\u1ea7u s\u1edbm th\u00ec b\u1ea1n c\u00e0ng nhanh ch\u00f3ng tho\u00e1t kh\u1ecfi n\u1ee3 n\u1ea7n. Ng\u01b0\u1ee3c l\u1ea1i, c\u00e0ng \u0111\u1ec3 l\u00e2u th\u00ec l\u00e3i su\u1ea5t c\u00e0ng cao v\u00e0 s\u1ed1 ti\u1ec1n b\u1ea1n ph\u1ea3i tr\u1ea3 c\u00e0ng l\u1edbn.<\/p>\n

Tuy nhi\u00ean, n\u00ean b\u1eaft \u0111\u1ea7u t\u1eeb \u0111\u00e2u? Trong khi mu\u1ed1n tho\u00e1t kh\u1ecfi g\u00e1nh n\u0103ng n\u1ee3 \u0111\u00f2i h\u1ecfi ph\u1ea3i c\u00f3 m\u1ed9t s\u1ef1 thay \u0111\u1ed5i v\u1ec1 t\u01b0 duy h\u01a1n nh\u1eefng th\u1ee9 kh\u00e1c th\u00ec c\u0169ng c\u00f3 m\u1ed9t lo\u1ea1t c\u00e1c con s\u1ed1 m\u00e0 b\u1ea1n c\u1ea7n ph\u1ea3i bi\u1ebft r\u00f5 tr\u01b0\u1edbc khi b\u1eaft \u0111\u1ea7u “h\u00e0nh tr\u00ecnh \u0111\u1ea7y kh\u00f3 kh\u0103n n\u00e0y”. B\u1ea5t k\u1ec3 b\u1ea1n l\u1ef1a ch\u1ecdn chi\u1ebfn l\u01b0\u1ee3c tr\u1ea3 n\u1ee3 n\u00e0o th\u00ec ch\u00fang v\u1eabn l\u00e0 nh\u1eefng th\u1ee9 \u0111\u1ea7u ti\u00ean c\u1ea7n ph\u1ea3i \u0111\u01b0\u1ee3c l\u00e0m r\u00f5.<\/p>\n

\"N\u1ee3<\/p>\n

Ki\u1ebfn th\u1ee9c l\u00e0 s\u1ee9c m\u1ea1nh. Khi b\u1ea1n hi\u1ec3u r\u00f5 t\u00ecnh tr\u1ea1ng c\u1ee7a m\u00ecnh, c\u1ea3 v\u1ec1 b\u1ea3n ch\u1ea5t l\u1eabn c\u00e1c y\u1ebfu t\u1ed1 t\u00e1c \u0111\u1ed9ng th\u00ec s\u1ebd d\u1ec5 d\u00e0ng h\u01a1n trong vi\u1ec7c thi\u1ebft l\u1eadp m\u1ed9t k\u1ebf ho\u1ea1ch tr\u1ea3 n\u1ee3 kh\u1ea3 thi v\u00e0 th\u1ef1c t\u1ebf.<\/p>\n

Gi\u1ea3 s\u1eed b\u1ea1n c\u00f3 m\u1ed9t b\u1ea3ng g\u1ed3m 6 c\u1ed9t v\u00e0 d\u01b0\u1edbi \u0111\u00e2y l\u00e0 6 s\u1ed1 li\u1ec7u c\u1ea7n \u0111\u01b0\u1ee3c l\u1ea5p \u0111\u1ea7y t\u01b0\u01a1ng \u1ee9ng v\u1edbi t\u1eebng c\u1ed9t \u0111\u00f3.<\/p>\n

1. T\u1ed5ng s\u1ed1 n\u1ee3 th\u1ef1c t\u1ebf (c\u1ed9t 1)<\/h2>\n

Ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi s\u1ed1 ti\u1ec1n th\u1ef1c t\u1ebf c\u1ea7n ph\u1ea3i tr\u1ea3 c\u00f3 l\u1ebd l\u00e0 kho\u1ea3nh kh\u1eafc “\u0111au kh\u1ed5” nh\u1ea5t m\u00e0 b\u1ea5t c\u1ee9 ai \u0111ang r\u01a1i v\u00e0o ho\u00e0n c\u1ea3nh n\u1ee3 n\u1ea7n \u0111\u1ec1u c\u1ea3m nh\u1eadn \u0111\u01b0\u1ee3c.<\/p>\n

Khi vay n\u1ee3 ng\u00e2n h\u00e0ng ho\u1eb7c n\u1ee3 th\u1ebb t\u00edn d\u1ee5ng, b\u1ea1n c\u00f3 th\u1ec3 d\u1ec5 d\u00e0ng t\u1eadp trung v\u00e0o c\u00e1c kho\u1ea3n ph\u1ea3i tr\u1ea3 v\u00e0 t\u1eebng giao d\u1ecbch c\u00e1 nh\u00e2n h\u00e0ng th\u00e1ng. Tuy nhi\u00ean, vi\u1ec7c ch\u1ec9 ch\u00fa \u00fd v\u00e0o t\u1eebng kho\u1ea3n n\u1ee3 m\u00e0 kh\u00f4ng n\u1eafm \u0111\u01b0\u1ee3c t\u1ed1ng s\u1ed1 ti\u1ec1n c\u1ea7n tr\u1ea3 c\u00f3 th\u1ec3 khi\u1ebfn b\u1ea1n kh\u00f4ng nh\u1eadn ra \u0111\u01b0\u1ee3c t\u00ecnh tr\u1ea1ng c\u1ee7a m\u00ecnh hi\u1ec7n t\u1ea1i t\u1ed3i t\u1ec7 \u0111\u1ebfn m\u1ee9c nh\u01b0 th\u1ebf n\u00e0o.<\/p>\n

\u0110\u1ec3 tho\u00e1t kh\u1ecfi c\u1ea3nh n\u1ee3 n\u1ea7n ch\u1ed1ng ch\u1ea5t, b\u1ea1n c\u1ea7n ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi n\u00f3. H\u00e3y b\u1eaft \u0111\u1ea7u thu th\u1eadp c\u00e1c h\u00f3a \u0111\u01a1n, sau \u0111\u00f3, li\u1ec7t k\u00ea t\u1ea5t c\u1ea3 c\u00e1c kho\u1ea3n ph\u1ea3i tr\u1ea3 v\u00e0 t\u00ednh to\u00e1n \u0111\u1ec3 ra con s\u1ed1 t\u1ed5ng n\u1ee3 cu\u1ed1i c\u00f9ng, bao g\u1ed3m n\u1ee3 th\u1ebb t\u00edn d\u1ee5ng, n\u1ee3 mua xe, n\u1ee3 ti\u1ec1n h\u1ecdc ph\u00ed, n\u1ee3 ti\u1ec1n thu\u00ea nh\u00e0, thu\u00ea \u0111\u1ed3 d\u00f9ng, n\u1ee3 ng\u00e2n h\u00e0ng, n\u1ee3 c\u00e1 nh\u00e2n hay b\u1ea5t c\u1ee9 m\u1ed9t kho\u1ea3n n\u1ee3 n\u00e0o kh\u00e1c.<\/p>\n

2. L\u00e3i su\u1ea5t c\u1ee7a m\u1ed7i kho\u1ea3n n\u1ee3 (c\u1ed9t 2)<\/h2>\n

Sau khi \u0111\u00e3 n\u1eafm \u0111\u01b0\u1ee3c t\u1ed5ng s\u1ed1 n\u1ee3 c\u1ea7n tr\u1ea3, b\u1ea1n s\u1ebd bi\u1ebft \u0111\u01b0\u1ee3c nh\u1eefng kho\u1ea3n n\u1ee3 n\u00e0o c\u00f3 th\u1ec3 tr\u1ea3 s\u1edbm nh\u1ea5t. C\u00e1ch t\u1ed1t nh\u1ea5t \u0111\u1ec3 ph\u00e2n lo\u1ea1i ch\u00fang l\u00e0 d\u1ef1a tr\u00ean l\u00e3i su\u1ea5t th\u1ef1c t\u1ebf. N\u1ebfu kh\u00f4ng n\u1eafm \u0111\u01b0\u1ee3c % l\u00e3i su\u1ea5t h\u00e0ng n\u0103m ho\u1eb7c APR (l\u00e3i su\u1ea5t b\u00ecnh qu\u00e2n n\u0103m) m\u00e0 b\u1ea1n c\u1ea7n ph\u1ea3i tr\u1ea3 cho t\u1eebng kho\u1ea3n vay ho\u1eb7c th\u1ebb t\u00edn d\u1ee5ng th\u00ec b\u1ea1n c\u1ea7n nh\u00ecn v\u00e0o b\u1ea3n b\u00e1o c\u00e1o h\u00e0ng th\u00e1ng, ki\u1ec3m tra trang qu\u1ea3n l\u00fd t\u00e0i kho\u1ea3n tr\u1ef1c tuy\u1ebfn ho\u1eb7c g\u1ecdi \u0111i\u1ec7n cho ch\u1ee7 n\u1ee3\/c\u00f4ng ty ph\u00e1t h\u00e0nh th\u1ebb t\u00edn d\u1ee5ng \u0111\u1ec3 h\u1ecfi chi ti\u1ebft.<\/p>\n

N\u1ebfu m\u1ed9t v\u00e0i kho\u1ea3n n\u1ee3 c\u00f3 l\u00e3i su\u1ea5t cao (APR>10%), b\u1ea1n c\u00f3 th\u1ec3 \u01b0u ti\u00ean tr\u1ea3 ch\u00fang tr\u01b0\u1edbc. \u0110\u00e2y ch\u00ednh l\u00e0 chi\u1ebfn l\u01b0\u1ee3c ch\u00ednh c\u1ee7a ph\u01b0\u01a1ng ph\u00e1p tr\u1ea3 n\u1ee3 “Debt Avalanche”<\/em> \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111\u1ec1 c\u1eadp \u1edf tr\u00ean – nh\u1eefng kho\u1ea3n n\u00e0y s\u1ebd y\u00eau c\u1ea7u b\u1ea1n ph\u1ea3i b\u1ecf ra nhi\u1ec1u ti\u1ec1n h\u01a1n \u0111\u1ec3 tr\u1ea3 cho ch\u1ee7 n\u1ee3 h\u00e0ng th\u00e1ng. B\u1eb1ng c\u00e1ch c\u1eaft gi\u1ea3m s\u1ed1 ti\u1ec1n ph\u00e1t sinh cho nh\u1eefng m\u1ee9c l\u00e3i su\u1ea5t cao nh\u1ea5t \u0111\u1ea7u ti\u00ean, b\u1ea1n s\u1ebd gi\u1ea3m \u0111\u01b0\u1ee3c s\u1ed1 ti\u1ec1n c\u1ea7n b\u1ecf ra c\u00e1c th\u00e1ng sau \u0111\u00f3 v\u00e0 c\u1ea3m th\u1ea5y \u0111\u1ee1 \u00e1p l\u1ef1c h\u01a1n tr\u01b0\u1edbc.<\/p>\n

\u00a0<\/div>\n

\"N\u1ee3<\/p>\n

Tuy nhi\u00ean, m\u1ed9t s\u1ed1 ng\u01b0\u1eddi l\u1ef1a ch\u1ecdn c\u00e1ch ti\u1ebfp c\u1eadn kh\u00e1c. Thay v\u00ec t\u00ecm c\u00e1ch tr\u1ea3 c\u00e1c kho\u1ea3n vay c\u00f3 l\u00e3i cao \u0111\u1ea7u ti\u00ean, h\u1ecd l\u1ea1i \u00e1p d\u1ee5ng chi\u1ebfn l\u01b0\u1ee3c “Debt Snowball”<\/em> \u2013 ngh\u0129a l\u00e0 t\u1eadp trung v\u00e0o nh\u1eefng kho\u1ea3n n\u1ee3 c\u00f3 l\u00e3i su\u1ea5t th\u1ea5p ho\u1eb7c nh\u1ecf h\u01a1n. Tuy nhi\u00ean, d\u00f9 s\u1eed d\u1ee5ng ph\u01b0\u01a1ng ph\u00e1p n\u00e0o th\u00ec vi\u1ec7c n\u1eafm r\u00f5 l\u00e3i su\u1ea5t c\u1ee7a t\u1eebng kho\u1ea3n vay \u0111\u1ec1u r\u1ea5t quan tr\u1ecdng. Nh\u1edd \u0111\u00f3, b\u1ea1n s\u1ebd bi\u1ebft \u0111\u01b0\u1ee3c chi\u1ebfn l\u01b0\u1ee3c n\u00e0o ph\u00f9 h\u1ee3p v\u1edbi m\u00ecnh v\u00e0 kho\u1ea3n ph\u1ea3i tr\u1ea3 n\u00e0o c\u1ea7n d\u00e0nh \u01b0u ti\u00ean tr\u01b0\u1edbc.<\/p>\n

3. Kho\u1ea3n ph\u1ea3i tr\u1ea3 h\u00e0ng th\u00e1ng c\u1ee7a t\u1eebng kho\u1ea3n vay (c\u1ed9t 3)<\/h2>\n

Sau hai s\u1ed1 li\u1ec7u tr\u00ean th\u00ec con s\u1ed1 ti\u1ebfp theo m\u00e0 b\u1ea1n c\u1ea7n quan t\u00e2m \u0111\u00f3 ch\u00ednh l\u00e0 m\u1ed7i th\u00e1ng c\u1ea7n ph\u1ea3i b\u1ecf ra bao nhi\u00eau ti\u1ec1n cho t\u1eebng kho\u1ea3n n\u1ee3. \u0110\u00e2y ch\u00ednh l\u00e0 c\u0103n c\u1ee9 \u0111\u1ec3 b\u1ea1n t\u00ednh \u0111\u01b0\u1ee3c t\u1ed5ng s\u1ed1 ti\u1ec1n c\u1ea7n tr\u1ea3 h\u00e0ng th\u00e1ng.<\/p>\n

4. Chi ph\u00ed sinh ho\u1ea1t t\u1ed1i thi\u1ec3u h\u00e0ng th\u00e1ng (c\u1ed9t 4)<\/h2>\n

\u0110\u1ec3 tho\u00e1t n\u1ee3, b\u1ea1n c\u1ea7n ph\u1ea3i thay \u0111\u1ed5i th\u00f3i quen c\u1ee7a m\u00ecnh. \u0110\u1ed1i v\u1edbi nhi\u1ec1u ng\u01b0\u1eddi, \u0111i\u1ec1u n\u00e0y c\u00f3 l\u1ebd l\u00e0 \u00e1p d\u1ee5ng ch\u1ebf \u0111\u1ed9 \u0103n u\u1ed1ng ti\u1ebft ki\u1ec7m, kh\u00f4ng chi ti\u00eau th\u00eam v\u01b0\u1ee3t ngo\u00e0i ng\u00e2n s\u00e1ch hay x\u00e2y d\u1ef1ng l\u1ed1i s\u1ed1ng ph\u00f9 h\u1ee3p v\u1edbi t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh c\u1ee7a b\u1ea3n th\u00e2n. \u0110i\u1ec1u quan tr\u1ecdng \u1edf \u0111\u00e2y l\u00e0 b\u1ea1n kh\u00f4ng n\u00ean l\u00e0m b\u1ea5t c\u1ee9 \u0111i\u1ec1u g\u00ec khi\u1ebfn kho\u1ea3n n\u1ee3 ph\u00ecnh to h\u01a1n tr\u01b0\u1edbc.<\/p>\n

\u0110\u1ec3 b\u1eaft \u0111\u1ea7u, h\u00e3y quan t\u00e2m t\u1edbi t\u1ed5ng ng\u00e2n s\u00e1ch d\u00e0nh cho chi ti\u00eau t\u1ed1i thi\u1ec3u – ch\u1ec9 bao g\u1ed3m t\u1ed5ng chi ph\u00ed v\u00e0 ti\u1ec1n h\u00f3a \u0111\u01a1n c\u1ea7n thi\u1ebft m\u00e0 b\u1ea1n c\u1ea7n tr\u1ea3 m\u1ed7i th\u00e1ng. N\u00f3i chung, chi\u1ebfn l\u01b0\u1ee3c n\u00e0y y\u00eau c\u1ea7u b\u1ea1n kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e1t sinh th\u00eam b\u1ea5t c\u1ee9 h\u00e0nh vi mua s\u1eafm n\u00e0o \u2013 kh\u00f4ng gi\u1ea3i tr\u00ed, kh\u00f4ng du l\u1ecbch, kh\u00f4ng h\u1ed9i h\u1ecdp… B\u1eb1ng c\u00e1ch s\u1ed1ng v\u1edbi m\u1ed9t s\u1ed1 ti\u1ec1n gi\u1edbi h\u1ea1n nh\u01b0 v\u1eady, b\u1ea1n c\u00f3 th\u1ec3 t\u1ea1m th\u1eddi c\u00f3 th\u00eam ti\u1ec1n nh\u00e0n r\u1ed7i \u0111\u1ec3 tr\u1ea3 c\u00e1c kho\u1ea3n n\u1ee3 kh\u00e1c.<\/p>\n

Hi\u1ec3n nhi\u00ean, m\u1ed9t khi \u0111\u00e3 tr\u1ea3 h\u1ebft n\u1ee3, b\u1ea1n c\u00f3 th\u1ec3 b\u1eaft \u0111\u1ea7u m\u1edf r\u1ed9ng ng\u00e2n s\u00e1ch \u0111\u1ec3 chi ti\u00eau cho nh\u1eefng th\u1ee9 b\u1ea1n th\u00edch. Tuy nhi\u00ean, m\u1ecdi th\u1ee9 c\u1ea7n \u0111\u01b0\u1ee3c l\u1eadp k\u1ebf ho\u1ea1ch k\u1ef9 c\u00e0ng \u0111\u1ec3 tr\u00e1nh tr\u1edf th\u00e0nh “con n\u1ee3” m\u1ed9t l\u1ea7n n\u1eefa.<\/p>\n

N\u1ebfu c\u00f2n ph\u00e2n v\u00e2n t\u1edbi vi\u1ec7c ch\u1ec9 \u0111\u01b0\u1ee3c ph\u00e9p chi ti\u00eau trong m\u1ed9t ng\u00e2n s\u00e1ch gi\u1edbi h\u1ea1n th\u00ec h\u00e3y nh\u1edb m\u1ed9t \u0111i\u1ec1u r\u1eb1ng ch\u00ednh th\u00f3i quen ti\u00eau x\u00e0i trong qu\u00e1 kh\u1ee9 \u0111\u00e3 khi\u1ebfn b\u1ea1n r\u01a1i v\u00e0o t\u00ecnh c\u1ea3nh hi\u1ec7n t\u1ea1i. Th\u1ebf n\u00ean, n\u1ebfu mu\u1ed1n tho\u00e1t kh\u1ecfi n\u1ee3 n\u1ea7n th\u00ec \u0111\u1ea7u ti\u00ean, h\u00e3y thay \u0111\u1ed5i ch\u00ednh b\u1ea1n.<\/p>\n

5. S\u1ed1 ti\u1ec1n b\u1ea1n mang v\u1ec1 nh\u00e0 h\u00e0ng th\u00e1ng (c\u1ed9t 5)<\/h2>\n

Tho\u00e1t kh\u1ecfi n\u1ee3 n\u1ea7n kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ed9t \u0111i\u1ec1u g\u00ec \u0111\u00f3 cao si\u00eau. Tuy nhi\u00ean, mu\u1ed1n th\u1ef1c s\u1ef1 l\u00e0m \u0111\u01b0\u1ee3c \u0111i\u1ec1u n\u00e0y, b\u1ea1n c\u0169ng c\u1ea7n ph\u1ea3i hi\u1ec3u bi\u1ebft m\u1ed9t ch\u00fat v\u1ec1 t\u00e0i ch\u00ednh.<\/p>\n

\u00a0<\/div>\n

\"N\u1ee3<\/p>\n

Th\u1ef1c t\u1ebf, s\u1ed1 ti\u1ec1n b\u1ea1n s\u1eed d\u1ee5ng \u0111\u1ec3 tr\u1ea3 n\u1ee3 ch\u00ednh l\u00e0 \u0111\u01b0\u1ee3c tr\u00edch ra t\u1eeb t\u1ed5ng s\u1ed1 ti\u1ec1n m\u00e0 b\u1ea1n mang v\u1ec1 nh\u00e0 (sau khi \u0111\u00e3 tr\u1eeb thu\u1ebf, b\u1ea3o hi\u1ec3m, ti\u1ec1n n\u1ed9p v\u00e0o qu\u1ef9 ph\u00fac l\u1ee3i, c\u00e1c \u0111\u00f3ng g\u00f3p x\u00e3 h\u1ed9i kh\u00e1c…). Tr\u01b0\u1eddng h\u1ee3p m\u1ed7i th\u00e1ng b\u1ea1n c\u00f3 nhi\u1ec1u h\u01a1n m\u1ed9t kho\u1ea3n thu nh\u1eadp th\u00ec n\u1ebfu kh\u00f4ng n\u1eafm \u0111\u01b0\u1ee3c s\u1ed1 li\u1ec7u n\u00e0y, b\u1ea1n s\u1ebd ch\u1ec9 bi\u1ebft \u0111\u01b0\u1ee3c ch\u00fang cho t\u1edbi khi c\u00f3 m\u1ed9t b\u00e1o c\u00e1o thu\u1ebf \u0111\u01b0\u1ee3c g\u1eedi \u0111\u1ebfn t\u1eadn tay v\u00e0o cu\u1ed1i m\u1ed7i n\u0103m t\u00e0i ch\u00ednh.<\/p>\n

M\u1ed9t khi \u0111\u00e3 n\u1eafm \u0111\u01b0\u1ee3c thu nh\u1eadp th\u1ef1c t\u1ebf h\u00e0ng th\u00e1ng, b\u1ea1n s\u1ebd c\u00f3 nh\u1eadn th\u1ee9c \u0111\u00fang \u0111\u1eafn h\u01a1n v\u1ec1 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 c\u1ee7a m\u00ecnh v\u00e0 c\u00f2n d\u01b0 ra bao nhi\u00eau ti\u1ec1n \u0111\u1ec3 tr\u1ea3 n\u1ee3 sau khi \u0111\u00e3 tr\u1eeb \u0111i c\u00e1c kho\u1ea3n chi ph\u00ed c\u1ea7n thi\u1ebft.<\/p>\n

6. Thu nh\u1eadp kh\u1ea3 d\u1ee5ng \u0111\u1ec3 tr\u1ea3 n\u1ee3 (c\u1ed9t 6)<\/h2>\n

Khi \u0111\u1ed1i chi\u1ebfu t\u1ea5t c\u1ea3 c\u00e1c s\u1ed1 li\u1ec7u: t\u1ed5ng n\u1ee3, l\u00e3i su\u1ea5t, chi ph\u00ed sinh ho\u1ea1t t\u1ed1i thi\u1ec3u h\u00e0ng th\u00e1ng v\u00e0 thu nh\u1eadp h\u00e0ng th\u00e1ng, b\u1ea1n s\u1ebd c\u00f3 c\u00e1i nh\u00ecn r\u00f5 r\u00e0ng h\u01a1n v\u1ec1 s\u1ed1 ti\u1ec1n m\u1ed7i th\u00e1ng ph\u1ea3i tr\u1ea3.<\/p>\n

Khi s\u1ed1ng v\u1edbi s\u1ed1 ti\u1ec1n t\u1ed1i thi\u1ec3u ch\u1ec9 d\u00e0nh \u0111\u1ec3 trang tr\u1ea3i c\u00e1c chi ph\u00ed c\u1ea7n thi\u1ebft th\u00ec m\u1eb7c nhi\u00ean, s\u1ed1 ti\u1ec1n d\u01b0 c\u1ee7a b\u1ea1n s\u1ebd t\u0103ng l\u00ean. “S\u1ed1 ti\u1ec1n d\u01b0 th\u1eeba” n\u00e0y \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 thu nh\u1eadp kh\u1ea3 d\u1ee5ng v\u00e0 \u0111\u00e2y ch\u00ednh l\u00e0 \u0111i\u1ec3m kh\u1edfi \u0111\u1ea7u c\u1ee7a k\u1ebf ho\u1ea1ch tr\u1ea3 n\u1ee3. B\u1ea1n c\u00f3 th\u1ec3 ph\u00e2n b\u1ed5 d\u1ea7n kho\u1ea3n n\u00e0y \u0111\u1ec3 tr\u1ea3 cho t\u1edbi khi thanh to\u00e1n h\u1ebft n\u1ee3. Tuy nhi\u00ean, chi\u1ebfn l\u01b0\u1ee3c ch\u1ec9 kh\u1ea3 thi khi b\u1ea1n d\u00e0nh to\u00e0n b\u1ed9 “ti\u1ec1n th\u1eeba” \u0111\u00f3 cho vi\u1ec7c tho\u00e1t kh\u1ecfi n\u1ee3 n\u1ea7n ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e3ng ph\u00ed v\u00e0o nh\u1eefng th\u1ee9 kh\u00e1c.<\/p>\n

Th\u1ef1c t\u1ebf, c\u00f4ng th\u1ee9c \u0111\u1ec3 tr\u1ea3 n\u1ee3 r\u1ea5t \u0111\u01a1n gi\u1ea3n: thu nh\u1eadp \u2013 chi ph\u00ed = ti\u1ebft ki\u1ec7m<\/strong>. Mu\u1ed1n tho\u00e1t n\u1ee3, b\u1ea1n ph\u1ea3i t\u0103ng thu nh\u1eadp<\/strong> ho\u1eb7c gi\u1ea3m chi ti\u00eau.<\/strong> D\u00f9 n\u1ee3 n\u1ea7n c\u00f3 v\u1ebb khi\u1ebfn ch\u00fang ta c\u1ea3m th\u1ea5y r\u1ea5t n\u1eb7ng n\u1ec1 nh\u01b0ng k\u1ef3 th\u1ef1c gi\u1ea3i ph\u00e1p cho v\u1ea5n \u0111\u1ec1 kh\u00f4ng c\u00f3 g\u00ec ph\u1ee9c t\u1ea1p.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

C\u00f3 r\u1ea5t nhi\u1ec1u con \u0111\u01b0\u1eddng khi\u1ebfn b\u1ea1n r\u01a1i v\u00e0o c\u1ea3nh n\u1ee3 n\u1ea7n ch\u1ed3ng ch\u1ea5t v\u00e0 c\u0169ng c\u00f3 kh\u00f4ng \u00edt c\u00e1ch gi\u00fap b\u1ea1n nhanh ch\u00f3ng tho\u00e1t kh\u1ecfi c\u1ea3nh kh\u1ed1n c\u00f9ng \u0111\u00f3.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[452],"tags":[],"_links":{"self":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/40060"}],"collection":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/comments?post=40060"}],"version-history":[{"count":0,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/40060\/revisions"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=40060"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=40060"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=40060"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}